Get READY for the Financial UPGRADE of a Lifetime in 2025

by Dr. Joanne Narae

For a long time, I didn’t even know I needed to be investing. It wasn’t until my late 30s that the fear of not having enough for retirement kept me up at night. Like many people, I had no formal financial education, no retirement plan, and no idea where to start. As an expat without access to things like Social Security or 401(k)s, the road to financial security felt even more confusing.

But I was lucky—I had friends who helped me learn what to do. With their support and a lot of self-education, I went from having almost nothing invested to building a portfolio worth over $200,000 in the stock market and cryptocurrency. That decision—to finally start—was one of the best of my life.

Now, I’m here to help you do the same.

Whether you’re just starting out or feel like you’re already behind, I want you to know that it’s not too late. Financial literacy isn’t something we were taught in school, but that doesn’t mean you can’t learn it now. Once you do, you’ll be able to adapt, manage, and grow your money with confidence—no matter what life throws your way.

Remember: no one is in a better position to take care of your financial future than you. My mission with this channel is to empower you with the tools, strategies, and mindset shifts that helped me turn things around.

This is your year. Let’s make it count.

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